CN112037033A - Method and device for identifying inter-bank command and supplementing bank line number - Google Patents

Method and device for identifying inter-bank command and supplementing bank line number Download PDF

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Publication number
CN112037033A
CN112037033A CN202010908009.8A CN202010908009A CN112037033A CN 112037033 A CN112037033 A CN 112037033A CN 202010908009 A CN202010908009 A CN 202010908009A CN 112037033 A CN112037033 A CN 112037033A
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China
Prior art keywords
bank
line number
payment instruction
bank line
transaction
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CN202010908009.8A
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Chinese (zh)
Inventor
吕哲
郝敏
贺玉明
梁晓明
王凯
吴李兴
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202010908009.8A priority Critical patent/CN112037033A/en
Publication of CN112037033A publication Critical patent/CN112037033A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

The invention provides a method and a device for identifying a line-crossing instruction and supplementing a bank line number, wherein the method comprises the following steps: establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number; receiving a pending payment instruction; wherein, the payment instruction of treating includes: payee information; according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful; identifying a pending payment instruction after the bank line number is supplemented, and judging whether the pending payment instruction after the bank line number is supplemented is a cross-line transaction or not; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction. The invention realizes the automatic operation of accurate supplement of bank line numbers and rapid identification of cross-line transactions in professional annuity payment.

Description

Method and device for identifying inter-bank command and supplementing bank line number
Technical Field
The invention relates to the technical field of computer information processing, in particular to a method and a device for identifying a cross-bank instruction and supplementing a bank line number.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The waited payment instruction of the occupational annuity is sent to the trustee by the trustee regularly, the scale is dozens to hundreds of thousands, and the trustee transfers money to the occupational annuity acquirer for payment according to the waited payment instruction.
Generally, when a payment instruction exists that the name of a collection bank is empty and not standard, the number of a collection bank line/the number of the collection bank line is empty and incorrect, and the like, a custody service worker needs to recognize cross-line transactions one by one and correct the number of the bank line or inquire the number of the bank line through the name of the collection bank line in a fuzzy and manual mode, the manual operation is frequent, errors are easy to occur, and the problem that the number of the bank line cannot be supplemented or is supplemented in an error mode exists. With the increase of retirees, the number of payment instructions to be met is gradually increased, and in the future, millions of pens and even more are achieved, the amount and pressure of data manually processed by service personnel in the hosting industry are increased day by day, and the efficiency is too low through a manual pen-by-pen operation mode.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a method for identifying inter-bank instructions and supplementing bank numbers, which realizes the automatic operation of accurate supplement of bank numbers and rapid identification of inter-bank transactions in professional annuity treatment payment and greatly improves the accuracy and the processing efficiency, and comprises the following steps:
establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
receiving a pending payment instruction; wherein, the payment instruction of treating includes: payee information;
according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful;
identifying a pending payment instruction after the bank line number is supplemented, and judging whether the pending payment instruction after the bank line number is supplemented is a cross-line transaction or not; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
The embodiment of the invention also provides a device for identifying the cross-bank instruction and supplementing the bank line number, which comprises:
the bank line number data table establishing module is used for establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
the system comprises a receiving module of a payment instruction for treatment, a payment instruction receiving module for receiving the payment instruction for treatment; wherein, the payment instruction of treating includes: payee information;
the bank line number matching module is used for matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, and supplementing the corresponding bank line number to the pending payment instruction when the matching is successful;
the inter-bank payment module is used for identifying the payment instruction after the bank line number is supplemented and judging whether the payment instruction after the bank line number is supplemented is an inter-bank transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for identifying the line crossing instruction and supplementing the bank line number when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above method for identifying a line crossing instruction and supplementing a bank line number.
The embodiment of the invention provides a method and a device for identifying a line-crossing instruction and supplementing a bank line number, which comprises the steps of firstly establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number; then receiving a payment instruction to be met; wherein, the payment instruction of treating includes: payee information; then according to the payee information in the payment instruction to be met, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the payment instruction to be met when matching is successful; finally, identifying the payment instruction after the bank line number is supplemented, and judging whether the payment instruction after the bank line number is supplemented is a cross-line transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction. According to the embodiment of the invention, the bank line number and the bank line number data table of the bank multidimensional information corresponding to the bank line number are established, the bank line number missing in the encounter payment instruction can be automatically supplemented by matching the encounter payment instruction with the bank line number data table, the inter-line transaction is automatically identified, the automatic operation of accurate supplement of the bank line number and quick identification of the inter-line transaction in the occupational annuity encounter payment is realized, the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, the method is practical, quick and convenient, the efficient processing of the inter-line transaction is realized, the encounter payment processing time is reduced, and the custody service personnel can complete payment on time.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram illustrating a method for identifying a line-crossing instruction and supplementing a bank line number according to an embodiment of the present invention.
Fig. 2 is a schematic diagram illustrating a process of establishing a bank number data table by a method for identifying a cross-bank instruction and supplementing a bank number according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of a process of payment between banks by supplementing and correcting bank numbers according to a method of identifying a bank-crossing instruction and supplementing a bank number according to an embodiment of the present invention.
Fig. 4 is a flowchart illustrating a method for identifying a line-crossing instruction and supplementing a bank line number according to an embodiment of the present invention.
FIG. 5 is a schematic diagram of a computer device for executing a method for identifying a bank crossing command and supplementing a bank line number according to an embodiment of the present invention.
Fig. 6 is a schematic diagram of an apparatus for identifying a line-crossing command and supplementing a bank number according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a schematic diagram of a method for identifying an inter-bank command and supplementing a bank line number according to an embodiment of the present invention, and as shown in fig. 1, an embodiment of the present invention provides a method for identifying an inter-bank command and supplementing a bank line number, so as to implement automated operation of accurate supplement of a bank line number and rapid identification of inter-bank transactions in professional annuity pending payment, and greatly improve accuracy and processing efficiency, where the method includes:
step 101: establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
step 102: receiving a pending payment instruction; wherein, the payment instruction of treating includes: payee information;
step 103: according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful;
step 104: identifying a pending payment instruction after the bank line number is supplemented, and judging whether the pending payment instruction after the bank line number is supplemented is a cross-line transaction or not; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
The embodiment of the invention provides a method for identifying a line-crossing instruction and supplementing a bank line number, which comprises the steps of firstly establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number; then receiving a payment instruction to be met; wherein, the payment instruction of treating includes: payee information; then according to the payee information in the payment instruction to be met, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the payment instruction to be met when matching is successful; finally, identifying the payment instruction after the bank line number is supplemented, and judging whether the payment instruction after the bank line number is supplemented is a cross-line transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction. According to the embodiment of the invention, the bank line number and the bank line number data table of the bank multidimensional information corresponding to the bank line number are established, the bank line number missing in the encounter payment instruction can be automatically supplemented by matching the encounter payment instruction with the bank line number data table, the inter-line transaction is automatically identified, the automatic operation of accurate supplement of the bank line number and quick identification of the inter-line transaction in the occupational annuity encounter payment is realized, the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, the method is practical, quick and convenient, the efficient processing of the inter-line transaction is realized, the encounter payment processing time is reduced, and the custody service personnel can complete payment on time.
In the embodiment of the invention, the occupational annuity belongs to a second pillar of the endowment insurance system, and refers to a supplementary endowment system established by the institution and public institution and staff on the basis of participating in basic endowment insurance of the institution and public institution.
In the embodiment of the present invention, the handling payment refers to that the professional annuity consignee periodically sends an annuity handling payment instruction (i.e., an instruction to transfer money to the annuity acquirer) to the trustee, and the instruction includes main information: payee name, payee account number, payee bank name, payee bank line identity, payee bank line number, amount to be paid, etc. After receiving the instruction, the trustee needs to identify the intra-row/inter-row money transfer, supplement the bank row number and finish the money transfer to the annuity acquirer. Like pay-per-batch, instructions scale from tens to millions.
In the embodiment of the invention, the bank classification implements 3-bit fixed-length numbers, which are composed of classification codes and sequence codes and used for identifying each bank institution. Such as: the Chinese Industrial and commercial Bank 102, the Chinese agricultural Bank 103, the Chinese Bank 104, and the Chinese construction Bank 105.
In the embodiment of the invention, the bank number, also called bank connection number, is a unique identification mark of a regional bank, and generally comprises 12 bits: the system comprises a 3-bit bank code, a 4-bit city code, a 4-bit bank number and a 1-bit check digit, and is used for trans-regional payment and settlement services of a large payment system, a small payment system, a bank draft system of a city commercial bank, a national check image system (including a same-city bill automatic clearing system of some cities) and the like organized by a people bank. Bank transfer across banks requires the provision of bank numbers.
In the embodiment of the invention, the BIN code refers to a Bank Identification code, namely an English full-Bank Identification Number. The card number of the bank card is a number for identifying the information of a card issuing organization and a card holder, and consists of the following three parts: a card issuing bank identification code (BIN number), a card issuing bank custom bit and a check code. The domestic bank cards are divided into different bank card organization affiliations according to the difference of the digital beginning. The bank can be identified by bin code in the card number of the bank card. Bin code table for storing Bin code, card number length and bank number.
The invention provides a method capable of automatically identifying a bank crossing instruction and supplementing a bank line number in professional annuity treatment payment. Through bank multidimensional information such as a payee account number, a payee bank identity, a payee bank name and the like, the bank-crossing instruction is automatically identified and the bank number is supplemented, so that the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, and the method is practical, rapid and convenient. When the method for identifying the line crossing instruction and supplementing the bank line number provided by the embodiment of the invention is implemented specifically, the method can comprise the following steps:
establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
receiving a pending payment instruction; wherein, the payment instruction of treating includes: payee information;
according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful;
identifying a pending payment instruction after the bank line number is supplemented, and judging whether the pending payment instruction after the bank line number is supplemented is a cross-line transaction or not; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
Fig. 2 is a schematic diagram illustrating a process of establishing a bank number data table by a method for identifying a bank-crossing instruction and supplementing a bank number according to an embodiment of the present invention, and as shown in fig. 2, when the method for identifying a bank-crossing instruction and supplementing a bank number according to an embodiment of the present invention is implemented, in an embodiment, the establishing a bank number data table includes:
step 201: acquiring a bank BIN code table, a bank line number table and a historical account table; wherein, bank BIN code table includes: bank account number, BIN code, bank card length, bank line number; bank row number table, including: bank name, bank line number; a historical account table comprising: a historical collection account number, bank line number;
step 202: establishing a corresponding relation between the bank line number and the bank multidimensional information according to the bank BIN code table, the bank line number table and the historical account table; the bank multidimensional information comprises: the method comprises the following steps of (1) a bank account number, a BIN code, a bank card length, a bank name and a historical collection account number;
step 203: and combining and sequencing the bank line number and the bank multidimensional information which has a corresponding relation with the bank line number according to the corresponding relation, and establishing a bank line number data table.
In the embodiment, firstly, a bank BIN code table, a bank line number table and a historical account table are obtained from a bank database; wherein, bank BIN code table includes: bank account number, BIN code, bank card length, bank line number; bank row number table, including: bank name, bank line number; a historical account table comprising: a historical collection account number, bank line number; further, the historical account table is used for recording account information which is manually corrected and used for correcting the bank line number and ensuring that payment is successful, the account information comprises a collection account number and a bank line number, and updating of the bank line number data table is achieved.
Then, according to the BIN code table, the bank line number table and the historical account table, establishing the corresponding relation between the bank line number and the bank multidimensional information; the bank multidimensional information comprises: the method comprises the following steps of (1) a bank account number, a BIN code, a bank card length, a bank name and a historical collection account number; each bank line number corresponds to a BIN code, a bank card length, a bank name and a historical collection account number.
Finally, the bank line numbers and the bank multidimensional information which has a corresponding relation with the bank line numbers are combined and sorted according to the corresponding relation, and a bank line number data table is established; further, the bank number data table is updated regularly according to the set time length.
In an embodiment of the invention, when the method for identifying a line-crossing instruction and supplementing a bank line number is implemented specifically, the payee information includes: a collection bank account number and a collection bank name;
according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful, wherein the method comprises the following steps:
and extracting a receiving bank account from the information of a receiver of the pending payment instruction, circularly intercepting the front 3 to 10 bits of the receiving bank account as a BIN code, matching the BIN code of the bank multidimensional information in the bank line number data table according to the length of the receiving bank account, and supplementing the bank line number corresponding to the BIN code of the bank multidimensional information in the bank line number data table into the pending payment instruction when matching is successful.
When the bank line number is matched, according to the payee information in the pending payment instruction, matching the bank multidimensional information in the bank line number data table, which has a corresponding relationship with the bank line number, and supplementing the corresponding bank line number to the pending payment instruction when the matching is successful, which may include:
extracting a receiving bank account from the information of a receiver of the pending payment instruction, circularly intercepting the front 3 to 10 bits of the receiving bank account as a BIN code, matching the BIN code of the bank multidimensional information in the bank line number data table by combining the length of the receiving bank account to indicate the matching success, and supplementing the bank line number corresponding to the BIN code of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful, so as to realize the automatic supplementation of the missing bank line number in the pending payment instruction.
In a specific embodiment of the method for identifying a line-crossing instruction and supplementing a bank line number according to the embodiment of the present invention, in accordance with payee information in a pending payment instruction, the method matches bank multidimensional information in a bank line number data table, which has a correspondence with a bank line number, and supplements the corresponding bank line number to the pending payment instruction when matching is successful, further includes:
and extracting the name of a receiving bank from the information of the receiver of the pending payment instruction, matching the bank name of the bank multidimensional information in the bank line number data table, and supplementing the bank line number corresponding to the bank name of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
In an embodiment, when performing bank number matching, the method may further include: and extracting the name of a receiving bank from the information of the receiver of the pending payment instruction, matching the bank name of the bank multidimensional information in the bank line number data table, and supplementing the bank line number corresponding to the bank name of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful, so as to realize the automatic supplementation of the missing bank line number in the pending payment instruction.
In a specific embodiment of the method for identifying a line-crossing instruction and supplementing a bank line number according to the embodiment of the present invention, in accordance with payee information in a pending payment instruction, the method matches bank multidimensional information in a bank line number data table, which has a correspondence with a bank line number, and supplements the corresponding bank line number to the pending payment instruction when matching is successful, further includes:
and matching the historical collection account of the bank multidimensional information in the bank line number data table according to the collection bank account extracted from the receiver information of the pending payment instruction, and supplementing the bank line number corresponding to the historical collection account of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
In an embodiment, when performing bank number matching, the method may further include:
and matching the historical receiving account number of the bank multidimensional information in the bank line number data table according to the receiving bank account number extracted from the receiver information of the pending payment instruction, and supplementing the bank line number corresponding to the historical receiving account number of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful, so as to realize the automatic supplementation of the bank line number missing in the pending payment instruction.
In a specific embodiment of the method for identifying a bank crossing command and supplementing a bank line number according to the embodiment of the present invention, in the method for identifying a bank crossing command and supplementing a bank line number, the identifying a pending payment command after supplementing a bank line number and determining whether the pending payment command after supplementing a bank line number is a cross-line transaction includes:
and extracting the bank line number from the encounter payment instruction after the bank line number is supplemented, comparing and judging the bank line number with the bank line number of the bank, wherein the encounter payment instruction after the bank line number is supplemented is an inline transaction if the bank line numbers are consistent, and the encounter payment instruction after the bank line number is supplemented is an inter-line transaction if the bank line numbers are inconsistent.
In an embodiment, when performing the inter-bank transaction determination, identifying the encounter payment instruction after supplementing the bank line number, and determining whether the encounter payment instruction after supplementing the bank line number is an inter-bank transaction may include:
and extracting the bank line number from the encounter payment instruction after the bank line number is supplemented, comparing and judging the bank line number with the bank line number of the bank, wherein the encounter payment instruction after the bank line number is supplemented is an inline transaction if the bank line numbers are consistent, and the encounter payment instruction after the bank line number is supplemented is an inter-line transaction if the bank line numbers are inconsistent. The automatic identification method has the advantages that the automatic operation of the quick identification of the cross-bank transaction is realized, the accuracy and the processing efficiency are greatly improved, the defects of manual one-by-one operation are reduced, the method is practical, quick and convenient, the efficient processing of the cross-bank transaction is realized, the processing time of the payment to be processed is reduced, and the payment is ensured to be completed by the service escrow staff on time.
In a specific implementation of the method for identifying a bank crossing command and supplementing a bank line number according to the embodiment of the present invention, in an embodiment, the identifying a pending payment command after supplementing a bank line number determines whether the pending payment command after supplementing the bank line number is a cross-line transaction, and the method further includes:
and extracting the name of a collection bank from the transaction payment instruction after the bank line number is supplemented, comparing the name of the collection bank with the name of the bank, judging, if the bank names are consistent, determining that the transaction payment instruction after the bank line number is supplemented is an inline transaction, and if the bank names are inconsistent, determining that the transaction payment instruction after the bank line number is supplemented is an inter-line transaction.
In an embodiment, when determining a cross-bank transaction, the method may further include:
extracting the name of a collection bank from the transaction payment instruction after the bank line number is supplemented, comparing the name of the collection bank with the name of the bank, judging, if the bank names are consistent, determining that the transaction payment instruction after the bank line number is supplemented is an inline transaction, and if the bank names are inconsistent, determining that the transaction payment instruction after the bank line number is supplemented is an inter-line transaction; the automatic identification method has the advantages that the automatic operation of the quick identification of the cross-bank transaction is realized, the accuracy and the processing efficiency are greatly improved, the defects of manual one-by-one operation are reduced, the method is practical, quick and convenient, the efficient processing of the cross-bank transaction is realized, the processing time of the payment to be processed is reduced, and the payment is ensured to be completed by the service escrow staff on time.
When the method for identifying a bank crossing instruction and supplementing a bank line number is provided in an embodiment of the present invention, in an embodiment, the identifying a pending payment instruction after supplementing a bank line number judges whether the pending payment instruction after supplementing a bank line number is a cross-line transaction, further includes:
and extracting bank lines from the treatment payment instruction after the bank line number is supplemented, comparing and judging the bank lines with the bank lines of the bank, wherein the treatment payment instruction after the bank line number is supplemented is an inline transaction if the bank lines are consistent, and the treatment payment instruction after the bank line number is supplemented is an inter-line transaction if the bank lines are inconsistent.
In an embodiment, when determining a cross-bank transaction, the method may further include:
extracting bank lines from the treatment payment instruction after supplementing the bank line number, comparing and judging the bank lines with the bank lines of the bank, wherein if the bank lines are consistent, the treatment payment instruction after supplementing the bank line number is an inline transaction, and if the bank lines are inconsistent, the treatment payment instruction after supplementing the bank line number is a cross-line transaction; the automatic identification method has the advantages that the automatic operation of the quick identification of the cross-bank transaction is realized, the accuracy and the processing efficiency are greatly improved, the defects of manual one-by-one operation are reduced, the method is practical, quick and convenient, the efficient processing of the cross-bank transaction is realized, the processing time of the payment to be processed is reduced, and the payment is ensured to be completed by the service escrow staff on time.
In a specific implementation of the method for identifying a line crossing instruction and supplementing a bank line number according to the embodiment of the present invention, in an embodiment, the method further includes: and matching the bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, inquiring the historical data database to obtain a corrected bank line number when the matching fails, and supplementing the corrected bank line number into the pending payment instruction.
In the embodiment, when the bank line number is matched: and matching the bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, and acquiring a corrected bank line number by manually inquiring the historical data database when the matching fails, and supplementing the corrected bank line number into the pending payment instruction. And the missing bank line number in the payment instruction for treatment is automatically supplemented.
Fig. 3 is a schematic diagram of a process of payment between banks by supplementing and correcting bank numbers according to a method of identifying a bank-crossing instruction and supplementing a bank number according to an embodiment of the present invention. As shown in fig. 3, when the method for identifying a line crossing instruction and supplementing a bank number according to an embodiment of the present invention is implemented, in an embodiment, the method further includes:
step 301: when the transaction payment instruction for supplementing and correcting the bank line number is identified as cross-line transaction, cross-line payment of the career annuity is carried out according to the transaction payment instruction and the corrected bank line number;
step 302: after the inter-bank payment of the professional annuity is completed, the corresponding relation between the corrected bank line number and the pending payment instruction is established, the corrected bank line number and the pending payment instruction are transmitted to the bank line number data table, and the bank line number data table is updated.
In an embodiment, when determining a cross-bank transaction, the method may further include: when the transaction payment instruction for supplementing and correcting the bank line number is identified as cross-line transaction, cross-line payment of the career annuity is carried out according to the transaction payment instruction and the corrected bank line number; after the inter-bank payment of the professional annuity is completed, the corresponding relation between the corrected bank line number and the pending payment instruction is established, the corrected bank line number and the pending payment instruction are transmitted to the bank line number data table, and the bank line number data table is updated, so that the next automatic replenishment is facilitated.
The embodiment of the invention preferentially adopts the account number of the collection bank to supplement the bank line number, improves the accuracy, reduces the processing time of the payment to be processed, and ensures that the escrow service personnel completes the payment on time.
Through multidimensional information such as a payee account number, a payee bank identity, a payee bank name and the like, the bank-crossing instruction is automatically identified and the bank number is supplemented, so that the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, and the method is practical, rapid and convenient.
The method ensures that the custody service personnel do not need to identify the cross-bank transaction one by one and supplement the bank line number one by one, and has the following technical effects:
1. quick convenience: the invention can automatically supplement the bank number of the collection bank in the payment instruction to be met, identify the cross-bank transaction, reduce the workload and risk of manual operation and improve the working efficiency.
2. Precision: the invention preferentially uses the collection account number to supplement the bank line number, and improves the accuracy compared with the method of singly using the bank name to supplement the bank line number.
3. The popularization is as follows: the invention is suitable for most cross-bank transactions, is not limited to pending payment, does not need to provide a bank number of a payee, and can automatically supplement the bank number according to the information of the payee to finish cross-bank payment.
Fig. 4 is a schematic flowchart of a method for identifying a line crossing instruction and supplementing a bank number according to an embodiment of the present invention, as shown in fig. 4, in an embodiment of the present invention, a flow of a method for identifying a line crossing instruction and supplementing a bank number is further provided, which may specifically include:
s1: and (5) carding the bank line number data table and updating at regular time.
S2: and matching the bank line number data table according to the payee information (payee account number and payee bank name) in the pending payment instruction to supplement the bank line number.
S3: and identifying whether the transaction is a cross-bank transaction or not according to the bank number/the bank name/the bank category.
S4: if the transaction is identified as the cross-bank transaction and the bank number is empty, manual supplementation is needed, and after the payment is successful, the information is updated into the bank number data table, so that the next automatic supplementation is facilitated.
Wherein, S1 combs the bank number data sheet and updates regularly, including:
1) and (5) combing out a bank bin code table, which comprises a bin code, the length of the bank card and the bank line number. And updating at regular time.
2) The bank line number table comprises bank names and bank line numbers. And updating at regular time.
3) And the historical account table records the account information of the manually corrected bank line number and the payment success, and comprises a collection account number and a bank line number.
Wherein, S2 matches bank line number data table according to the payee information (payee account number, payee bank name) in the pending payment instruction, supplements the bank line number, including:
1) circularly intercepting the first 3 to 10 digits of the collection bank account as a bin code, matching a bank bin code table by combining the length of the account until the matching is successful, and supplementing the bank line number
2) And intercepting the name of the collection bank according to the rule, matching the name of the bank in the bank line number table, and supplementing the bank line number.
3) And matching the account number of the collection bank with the historical account table to supplement the bank line number.
Wherein, S3 is according to bank number/bank line name/bank line type, whether discerns to be the cross-bank transaction, includes:
1) if the number of the collection bank line/the number of the supplement bank line in the payment instruction to be met is not null, if the number of the line is the line number of the middle line, the transaction is identified as the in-line transaction, otherwise, the transaction is across lines.
2) If the former method is invalid, the name of the collection bank is not null, if the collection bank is a middle line, the collection bank is identified as an inline transaction, otherwise, the collection bank is a cross line.
3) If the previous method is invalid, the bank is not empty, if the bank is a middle bank, the bank is identified as intra-row transaction, otherwise, the bank is crossed.
If the transaction is identified as the cross-bank transaction and the bank line number is empty, the information needs to be supplemented manually, and after the payment is successful, the information is updated into the historical account table, so that the next automatic supplement is facilitated.
From the development perspective, technicians need to comb and regularly update the bank line number data table, and the functions of supplementing bank line numbers and identifying cross-line transactions by matching the bank line number data table according to payee information (payee account numbers and payee bank names) are realized. And analysis, design and testing of these related functions are required. The most important is the analysis and design part. The difficulty is that in the case of large payment data volume, the optimization program is needed to reduce the data processing time.
Fig. 5 is a schematic diagram of a computer device for executing a method for identifying a line crossing instruction and supplementing a bank line number implemented by the present invention, and as shown in fig. 5, an embodiment of the present invention further provides a computer device including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the method for identifying a line crossing instruction and supplementing a bank line number when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for implementing the method for identifying a line crossing instruction and supplementing a bank line number.
The embodiment of the invention also provides a device for identifying the line crossing instruction and supplementing the bank line number, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to a method for identifying the line-crossing instruction and supplementing the bank line number, the implementation of the device can refer to the implementation of the method for identifying the line-crossing instruction and supplementing the bank line number, and repeated parts are not described again.
Fig. 6 is a schematic view of a device for identifying a line-crossing instruction and supplementing a bank number according to an embodiment of the present invention, as shown in fig. 6, a device for identifying a line-crossing instruction and supplementing a bank number according to an embodiment of the present invention is further provided, and the specific implementation may include:
a bank number data table establishing module 601, configured to establish a bank number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
a pending payment instruction receiving module 602, configured to receive a pending payment instruction; wherein, the payment instruction of treating includes: payee information;
the bank line number matching module 603 is configured to match bank multidimensional information in the bank line number data table, where the bank multidimensional information has a correspondence with a bank line number, according to payee information in the pending payment instruction, and supplement the corresponding bank line number to the pending payment instruction when matching is successful;
the inter-bank payment module 604 is configured to identify a pending payment instruction after the bank line number is supplemented, and determine whether the pending payment instruction after the bank line number is supplemented is an inter-bank transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
In an embodiment of the invention, when the device for identifying a line-crossing instruction and supplementing a bank number is implemented specifically, the bank number data table establishing module is specifically configured to:
acquiring a bank BIN code table, a bank line number table and a historical account table; wherein, bank BIN code table includes: bank account number, BIN code, bank card length, bank line number; bank row number table, including: bank name, bank line number; a historical account table comprising: a historical collection account number, bank line number;
establishing a corresponding relation between the bank line number and the bank multidimensional information according to the bank BIN code table, the bank line number table and the historical account table; the bank multidimensional information comprises: the method comprises the following steps of (1) a bank account number, a BIN code, a bank card length, a bank name and a historical collection account number;
and combining and sequencing the bank line number and the bank multidimensional information which has a corresponding relation with the bank line number according to the corresponding relation, and establishing a bank line number data table.
In an embodiment of the invention, when the device for identifying a line-crossing instruction and supplementing a bank number is implemented, the payee information includes: a collection bank account number and a collection bank name;
bank line number matching module is specifically used for:
and extracting a receiving bank account from the information of a receiver of the pending payment instruction, circularly intercepting the front 3 to 10 bits of the receiving bank account as a BIN code, matching the BIN code of the bank multidimensional information in the bank line number data table according to the length of the receiving bank account, and supplementing the bank line number corresponding to the BIN code of the bank multidimensional information in the bank line number data table into the pending payment instruction when matching is successful.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank number matching module is further configured to:
and extracting the name of a receiving bank from the information of the receiver of the pending payment instruction, matching the bank name of the bank multidimensional information in the bank line number data table, and supplementing the bank line number corresponding to the bank name of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank number matching module is further configured to:
and matching the historical collection account of the bank multidimensional information in the bank line number data table according to the collection bank account extracted from the receiver information of the pending payment instruction, and supplementing the bank line number corresponding to the historical collection account of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank-crossing payment module is specifically configured to:
and extracting the bank line number from the encounter payment instruction after the bank line number is supplemented, comparing and judging the bank line number with the bank line number of the bank, wherein the encounter payment instruction after the bank line number is supplemented is an inline transaction if the bank line numbers are consistent, and the encounter payment instruction after the bank line number is supplemented is an inter-line transaction if the bank line numbers are inconsistent.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank-crossing payment module is further configured to:
and extracting the name of a collection bank from the transaction payment instruction after the bank line number is supplemented, comparing the name of the collection bank with the name of the bank, judging, if the bank names are consistent, determining that the transaction payment instruction after the bank line number is supplemented is an inline transaction, and if the bank names are inconsistent, determining that the transaction payment instruction after the bank line number is supplemented is an inter-line transaction.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank-crossing payment module is further configured to:
and extracting bank lines from the treatment payment instruction after the bank line number is supplemented, comparing and judging the bank lines with the bank lines of the bank, wherein the treatment payment instruction after the bank line number is supplemented is an inline transaction if the bank lines are consistent, and the treatment payment instruction after the bank line number is supplemented is an inter-line transaction if the bank lines are inconsistent.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank number matching module is further configured to:
and matching the bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, inquiring the historical data database to obtain a corrected bank line number when the matching fails, and supplementing the corrected bank line number into the pending payment instruction.
In an embodiment of the invention, when the device for identifying a bank-crossing instruction and supplementing a bank number is implemented specifically, the bank-crossing payment module is further configured to:
when the transaction payment instruction for supplementing and correcting the bank line number is identified as cross-line transaction, cross-line payment of the career annuity is carried out according to the transaction payment instruction and the corrected bank line number;
after the inter-bank payment of the professional annuity is completed, the corresponding relation between the corrected bank line number and the pending payment instruction is established, the corrected bank line number and the pending payment instruction are transmitted to the bank line number data table, and the bank line number data table is updated.
To sum up, the method and the device for identifying the inter-bank command and supplementing the bank line number provided by the embodiment of the invention firstly establish a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number; then receiving a payment instruction to be met; wherein, the payment instruction of treating includes: payee information; then according to the payee information in the payment instruction to be met, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the payment instruction to be met when matching is successful; finally, identifying the payment instruction after the bank line number is supplemented, and judging whether the payment instruction after the bank line number is supplemented is a cross-line transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
According to the embodiment of the invention, the bank line number and the bank line number data table of the bank multidimensional information corresponding to the bank line number are established, the bank line number missing in the encounter payment instruction can be automatically supplemented by matching the encounter payment instruction with the bank line number data table, the inter-line transaction is automatically identified, the automatic operation of accurate supplement of the bank line number and quick identification of the inter-line transaction in the occupational annuity encounter payment is realized, the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, the method is practical, quick and convenient, the efficient processing of the inter-line transaction is realized, the encounter payment processing time is reduced, and the custody service personnel can complete payment on time.
The embodiment of the invention preferentially adopts the account number of the collection bank to supplement the bank line number, improves the accuracy, reduces the processing time of the payment to be processed, and ensures that the escrow service personnel completes the payment on time.
Through multidimensional information such as a payee account number, a payee bank identity, a payee bank name and the like, the bank-crossing instruction is automatically identified and the bank number is supplemented, so that the accuracy and the processing efficiency are greatly improved, the defect of manual one-by-one operation is reduced, and the method is practical, rapid and convenient.
The method ensures that the custody service personnel do not need to identify the cross-bank transaction one by one and supplement the bank line number one by one, and has the following technical effects:
1. quick convenience: the invention can automatically supplement the bank number of the collection bank in the payment instruction to be met, identify the cross-bank transaction, reduce the workload and risk of manual operation and improve the working efficiency.
2. Precision: the invention preferentially uses the collection account number to supplement the bank line number, and improves the accuracy compared with the method of singly using the bank name to supplement the bank line number.
3. The popularization is as follows: the invention is suitable for most cross-bank transactions, is not limited to pending payment, does not need to provide a bank number of a payee, and can automatically supplement the bank number according to the information of the payee to finish cross-bank payment.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (22)

1. A method for identifying a line crossing instruction and supplementing a bank line number, comprising:
establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
receiving a pending payment instruction; wherein, the payment instruction of treating includes: payee information;
according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful;
identifying a pending payment instruction after the bank line number is supplemented, and judging whether the pending payment instruction after the bank line number is supplemented is a cross-line transaction or not; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
2. The method of claim 1, wherein creating a bank number data table comprises:
acquiring a bank BIN code table, a bank line number table and a historical account table; wherein, bank BIN code table includes: bank account number, BIN code, bank card length, bank line number; bank row number table, including: bank name, bank line number; a historical account table comprising: a historical collection account number, bank line number;
establishing a corresponding relation between the bank line number and the bank multidimensional information according to the bank BIN code table, the bank line number table and the historical account table; the bank multidimensional information comprises: the method comprises the following steps of (1) a bank account number, a BIN code, a bank card length, a bank name and a historical collection account number;
and combining and sequencing the bank line number and the bank multidimensional information which has a corresponding relation with the bank line number according to the corresponding relation, and establishing a bank line number data table.
3. The method of claim 2, wherein the payee information comprises: a collection bank account number and a collection bank name;
according to the payee information in the pending payment instruction, matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table, and supplementing the corresponding bank line number to the pending payment instruction when matching is successful, wherein the method comprises the following steps:
and extracting a receiving bank account from the information of a receiver of the pending payment instruction, circularly intercepting the front 3 to 10 bits of the receiving bank account as a BIN code, matching the BIN code of the bank multidimensional information in the bank line number data table according to the length of the receiving bank account, and supplementing the bank line number corresponding to the BIN code of the bank multidimensional information in the bank line number data table into the pending payment instruction when matching is successful.
4. The method of claim 3, wherein the bank multidimensional information in the bank number data table corresponding to the bank line number is matched according to the payee information in the encounter payment instruction, and the corresponding bank number is supplemented to the encounter payment instruction when the matching is successful, further comprising:
and extracting the name of a receiving bank from the information of the receiver of the pending payment instruction, matching the bank name of the bank multidimensional information in the bank line number data table, and supplementing the bank line number corresponding to the bank name of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
5. The method of claim 4, wherein the bank multidimensional information in the bank number data table corresponding to the bank line number is matched according to the payee information in the encounter payment instruction, and the corresponding bank number is supplemented to the encounter payment instruction when the matching is successful, further comprising:
and matching the historical collection account of the bank multidimensional information in the bank line number data table according to the collection bank account extracted from the receiver information of the pending payment instruction, and supplementing the bank line number corresponding to the historical collection account of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
6. The method of claim 5, wherein identifying the encounter payment instruction subsequent to the replenishment of the bank line number and determining whether the encounter payment instruction subsequent to the replenishment of the bank line number is a cross-bank transaction comprises:
and extracting the bank line number from the encounter payment instruction after the bank line number is supplemented, comparing and judging the bank line number with the bank line number of the bank, wherein the encounter payment instruction after the bank line number is supplemented is an inline transaction if the bank line numbers are consistent, and the encounter payment instruction after the bank line number is supplemented is an inter-line transaction if the bank line numbers are inconsistent.
7. The method of claim 6, wherein identifying the encounter payment instruction subsequent to the replenishment of the bank line number, determining whether the encounter payment instruction subsequent to the replenishment of the bank line number is a cross-line transaction, further comprises:
and extracting the name of a collection bank from the transaction payment instruction after the bank line number is supplemented, comparing the name of the collection bank with the name of the bank, judging, if the bank names are consistent, determining that the transaction payment instruction after the bank line number is supplemented is an inline transaction, and if the bank names are inconsistent, determining that the transaction payment instruction after the bank line number is supplemented is an inter-line transaction.
8. The method of claim 6, wherein identifying the encounter payment instruction subsequent to the replenishment of the bank line number, determining whether the encounter payment instruction subsequent to the replenishment of the bank line number is a cross-line transaction, further comprises:
and extracting bank lines from the treatment payment instruction after the bank line number is supplemented, comparing and judging the bank lines with the bank lines of the bank, wherein the treatment payment instruction after the bank line number is supplemented is an inline transaction if the bank lines are consistent, and the treatment payment instruction after the bank line number is supplemented is an inter-line transaction if the bank lines are inconsistent.
9. The method of claim 1, further comprising: and matching the bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, inquiring the historical data database to obtain a corrected bank line number when the matching fails, and supplementing the corrected bank line number into the pending payment instruction.
10. The method of claim 9, further comprising:
when the transaction payment instruction for supplementing and correcting the bank line number is identified as cross-line transaction, cross-line payment of the career annuity is carried out according to the transaction payment instruction and the corrected bank line number;
after the inter-bank payment of the professional annuity is completed, the corresponding relation between the corrected bank line number and the pending payment instruction is established, the corrected bank line number and the pending payment instruction are transmitted to the bank line number data table, and the bank line number data table is updated.
11. An apparatus for identifying a line crossing command and supplementing a bank line number, comprising:
the bank line number data table establishing module is used for establishing a bank line number data table; wherein, bank line number data table includes: bank line number, bank multidimensional information which has corresponding relation with the bank line number;
the system comprises a receiving module of a payment instruction for treatment, a payment instruction receiving module for receiving the payment instruction for treatment; wherein, the payment instruction of treating includes: payee information;
the bank line number matching module is used for matching bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, and supplementing the corresponding bank line number to the pending payment instruction when the matching is successful;
the inter-bank payment module is used for identifying the payment instruction after the bank line number is supplemented and judging whether the payment instruction after the bank line number is supplemented is an inter-bank transaction; and when the encounter payment instruction after the bank line number is supplemented is a cross-line transaction, cross-line payment of the professional annuity is carried out according to the bank line number and the encounter payment instruction.
12. The apparatus of claim 11, wherein the bank number data table establishing module is specifically configured to:
acquiring a bank BIN code table, a bank line number table and a historical account table; wherein, bank BIN code table includes: bank account number, BIN code, bank card length, bank line number; bank row number table, including: bank name, bank line number; a historical account table comprising: a historical collection account number, bank line number;
establishing a corresponding relation between the bank line number and the bank multidimensional information according to the bank BIN code table, the bank line number table and the historical account table; the bank multidimensional information comprises: the method comprises the following steps of (1) a bank account number, a BIN code, a bank card length, a bank name and a historical collection account number;
and combining and sequencing the bank line number and the bank multidimensional information which has a corresponding relation with the bank line number according to the corresponding relation, and establishing a bank line number data table.
13. The apparatus of claim 12, wherein the payee information comprises: a collection bank account number and a collection bank name;
bank line number matching module is specifically used for:
and extracting a receiving bank account from the information of a receiver of the pending payment instruction, circularly intercepting the front 3 to 10 bits of the receiving bank account as a BIN code, matching the BIN code of the bank multidimensional information in the bank line number data table according to the length of the receiving bank account, and supplementing the bank line number corresponding to the BIN code of the bank multidimensional information in the bank line number data table into the pending payment instruction when matching is successful.
14. The apparatus of claim 13, wherein the bank number matching module is further configured to:
and extracting the name of a receiving bank from the information of the receiver of the pending payment instruction, matching the bank name of the bank multidimensional information in the bank line number data table, and supplementing the bank line number corresponding to the bank name of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
15. The apparatus of claim 14, wherein the bank number matching module is further configured to:
and matching the historical collection account of the bank multidimensional information in the bank line number data table according to the collection bank account extracted from the receiver information of the pending payment instruction, and supplementing the bank line number corresponding to the historical collection account of the bank multidimensional information in the bank line number data table into the pending payment instruction when the matching is successful.
16. The apparatus of claim 15, wherein the cross-bank payment module is specifically configured to:
and extracting the bank line number from the encounter payment instruction after the bank line number is supplemented, comparing and judging the bank line number with the bank line number of the bank, wherein the encounter payment instruction after the bank line number is supplemented is an inline transaction if the bank line numbers are consistent, and the encounter payment instruction after the bank line number is supplemented is an inter-line transaction if the bank line numbers are inconsistent.
17. The apparatus of claim 16, wherein the cross bank payment module is further to:
and extracting the name of a collection bank from the transaction payment instruction after the bank line number is supplemented, comparing the name of the collection bank with the name of the bank, judging, if the bank names are consistent, determining that the transaction payment instruction after the bank line number is supplemented is an inline transaction, and if the bank names are inconsistent, determining that the transaction payment instruction after the bank line number is supplemented is an inter-line transaction.
18. The apparatus of claim 16, wherein the cross bank payment module is further to:
and extracting bank lines from the treatment payment instruction after the bank line number is supplemented, comparing and judging the bank lines with the bank lines of the bank, wherein the treatment payment instruction after the bank line number is supplemented is an inline transaction if the bank lines are consistent, and the treatment payment instruction after the bank line number is supplemented is an inter-line transaction if the bank lines are inconsistent.
19. The apparatus of claim 11, wherein the bank number matching module is further configured to:
and matching the bank multidimensional information which has a corresponding relation with the bank line number in the bank line number data table according to the payee information in the pending payment instruction, inquiring the historical data database to obtain a corrected bank line number when the matching fails, and supplementing the corrected bank line number into the pending payment instruction.
20. The apparatus of claim 19, wherein the cross bank payment module is further to:
when the transaction payment instruction for supplementing and correcting the bank line number is identified as cross-line transaction, cross-line payment of the career annuity is carried out according to the transaction payment instruction and the corrected bank line number;
after the inter-bank payment of the professional annuity is completed, the corresponding relation between the corrected bank line number and the pending payment instruction is established, the corrected bank line number and the pending payment instruction are transmitted to the bank line number data table, and the bank line number data table is updated.
21. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 10 when executing the computer program.
22. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing a method according to any one of claims 1 to 10.
CN202010908009.8A 2020-09-02 2020-09-02 Method and device for identifying inter-bank command and supplementing bank line number Pending CN112037033A (en)

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